My taxable stock market index fund would be where I pull from in an emergency. 

The APY is in the same range as SOFI (funds are swept into money market), comes with a debit card and checkbook.

Properties almost always cost more than you think and if you're not properly funded, then more often than not, you will likely lose the property. 

Quote from @Dustin Smalley: The best funding advice for new flippers is to get prepared before you bring a deal to a lender.

Did you deposit the reserve money with someone else??

With new construction picking up again, I’m seeing investors asking about everything from construction-only loans to full build-and-hold structures.If you’re building this year, what’s your experience been with funding availability and requirements?

Equity partnersBring in someone to fund the upfront capital while you handle the deal and operations.

I have tried exploring the accessibility I have to those whom may be able to fund the deal yet I haven’t succeeded in finding the proper resources to make it come to fruition.

Sticking to just one funding source is too limiting.I've actually used that exact strategy you mentioned (private money for the gap, bridged by a short-term loan) to make a deal work.

They want to know you won’t blow the rehab budget, stall out, or panic when something goes sideways.Once I had one project under my belt with clean documentation, lenders stopped questioning my ARVs and started competing for my business.A few lessons from that first deal:• Show up with a real scope of work• Know your comps better than the lender• Bring a contractor who’s licensed, insured, and organized• Present the numbers like a business, not a hopeAfter that, funding becomes a systems game instead of a confidence test.